'In phases when smaller stocks do well, an equal-weight index performs better than its market cap-weighted peer.'
Submitting a late return helps you stay compliant with tax regulations and avoid legal issues.
'If the borrower can't repay the loan due to lack of income or losses from speculative activities, they risk defaulting on it.' 'This could lead to the bank seizing the property.'
'File all the supporting documents in response to the allegation since there is a possibility of the proceedings getting dropped at that stage if the reply is satisfactory.'
'PPF carries minimal risk.' 'Its fixed-income nature allows investors to diversify their portfolios.'
FDs are not advisable for long-term wealth creation as their post-inflation, post-tax returns are not very attractive.
A taxpayer who does not revise their return within the stipulated deadline would be stuck with the original return, including its errors.
It is advisable to file your ITR right away and not rely on potential extensions.
'The adjustments (of tax slabs and standard deduction) will reduce the tax burden for salaried individuals with an income of around Rs 20 lakh by approximately Rs 18,000.' 'For non-salaried individuals with the same income level, the savings will be around Rs 10,000.'
'Compare the new slabs with the previous years to understand if your tax liability will increase or decrease after the Budget.'
Invest in MFs for liquidity and choice of funds. Invest in NPS for the tax benefits, tax-free rebalancing, and for earmarked savings for retirement.
In the case of double-income couples, not more than 40 per cent of the net income of one partner should be the EMI for the property.
'If an individual makes significant financial investments, she should stick to the old regime.' 'If the individual prefers straightforward computation without any tax benefits, the new regime would be suitable.'
'It's better to be over-insured than underinsured.' 'Ensure your home insurance includes STFI (storm, tempest, flooding, and inundation) cover for protection against monsoon rains.'
'A mid-year review makes the end-of-year financial review manageable and less stressful.'
It is essential to have a comprehensive motor policy, and not just a third-party cover, as the latter does not protect your own vehicle.
If the cashless request is denied, the entire cost may need to be paid for planned treatments.
By taking the mutual fund route, investors can take exposure to gilts with small amounts. Over a decade or more, returns from these funds tend to be sound.
'If the portfolio growth rate is higher, take this loan. If it is lower, liquidate your investments.'
'Filing a nil ITR serves as a formal declaration to the tax authorities that your earnings fell below the taxable threshold in the given financial year, and you had no tax liability during that period.'
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